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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,871 | $57,590-93.3% | $86,233-95.5% | $82,448-95.3% |
| Participation rate | 55.3% | 57.9%-2.6pp | 69.0%-13.8pp | 68.1%-12.8pp |
| Annual return | 19.29% | 22.41%-3.1pp | 61.39%-42.1pp | 41.64%-22.3pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,528 | $3,080-50.4% | $4,559-66.5% | $4,139-63.1% |
| Admin fee / account holder | $1,079 | $4,730-77.2% | $8,342-87.1% | $7,234-85.1% |